 Prime Lending here with Mortgage 101. What is a USDA home loan? The U.S. Department of Agriculture Rural Development Program gives families and individuals who are under certain income limits the opportunity to buy a home located in a USDA-eligible rural area with no down payment. For more information and to check your eligibility, contact your Kenai Peninsula Prime Lending Team at 907-205-3402. Diane Durfee, Production Manager, NMLS 759439. All loans subject to credit approval. Rates and fees subject to change. Prime Lending and Plains Capital Company. NMLS 13649. Equal Housing Lender.